Timing Belt Change

I have a 2000 SR5 V6 with only 64K miles on it. Everything I read on the internet says that the timing belt should be changed at 90K miles. Toyota, however, says 90K miles OR six years whichever comes first. Hard to believe that the belt could wear sitting in my garage. In any case, since my tacoma is 11 years old should I change it, or wait till 90K miles??